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i thought it was too stupid for me not to be missing something
Sorry, I can't really let that go.
Fair enough....
"When a foreigner resides among you in your land, do not mistreat them. The foreigner residing among you must be treated as your native-born. Love them as yourself, for you were foreigners in Egypt. I am the LORD your God." Leviticus 19:33-34
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i thought it was too stupid for me not to be missing something
what a nin-cow-poop.
Sorry, I can't really let that go.
yebat' Putin
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Some of us don't have luxury of staying at home forever, or choose not to.
In my case, my dad worked hard just to pay the bills every month. He used to put in 60+ hour weeks on a regular basis as a construction worker. Probably more when he was working for himself. However, 50+ grand to send me to college was out of the question. So I took ~8000 a year over 5 years to get my degree.
Fast forward to today, graduated with my degree in education, and I'm cutting meat for a living. I wouldn't say I'm living "week to week" but I also don't live in luxury. I drive an old beater, and am looking at houses that are fixer-uppers. This gives me the option of paying more on the principal of my loans, while allowing me to eat.
I think some of the issue is that people don't understand living within their means after they graduate. I'm not doing what my degree says I should be, but I'm making the same amount of money. I know I can't afford a new car, and a 5br 2 bath house, and I'm not going to take the loans out to do so.
Keeping my expenditures to a minimum while making double payments or more on my loans will hopefully have the loans paid off within 5 years. Which is doubly good, I pay off the loan, and pay less to the bank in the end...
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Some of us don't have luxury of staying at home forever, or choose not to.
In my case, my dad worked hard just to pay the bills every month. He used to put in 60+ hour weeks on a regular basis as a construction worker. Probably more when he was working for himself. However, 50+ grand to send me to college was out of the question. So I took ~8000 a year over 5 years to get my degree.
Fast forward to today, graduated with my degree in education, and I'm cutting meat for a living. I wouldn't say I'm living "week to week" but I also don't live in luxury. I drive an old beater, and am looking at houses that are fixer-uppers. This gives me the option of paying more on the principal of my loans, while allowing me to eat.
I think some of the issue is that people don't understand living within their means after they graduate. I'm not doing what my degree says I should be, but I'm making the same amount of money. I know I can't afford a new car, and a 5br 2 bath house, and I'm not going to take the loans out to do so.
Keeping my expenditures to a minimum while making double payments or more on my loans will hopefully have the loans paid off within 5 years. Which is doubly good, I pay off the loan, and pay less to the bank in the end...
I definitely do not like staying at home. I just know that for now it makes the most financial sense. I don't feel like saddling myself with unnecessary expenditures right now.
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I definitely do not like staying at home. I just know that for now it makes the most financial sense. I don't feel like saddling myself with unnecessary expenditures right now.
But you evidently have no problem burdening your parents with unnecessary expenditures... 
yebat' Putin
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I definitely do not like staying at home. I just know that for now it makes the most financial sense. I don't feel like saddling myself with unnecessary expenditures right now.
But you evidently have no problem burdening your parents with unnecessary expenditures...
Dude...that's kinda harsh.
"When a foreigner resides among you in your land, do not mistreat them. The foreigner residing among you must be treated as your native-born. Love them as yourself, for you were foreigners in Egypt. I am the LORD your God." Leviticus 19:33-34
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1st String
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DC might be harsh, but it was the first thing I thought of when I read it.
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I definitely do not like staying at home. I just know that for now it makes the most financial sense. I don't feel like saddling myself with unnecessary expenditures right now.
But you evidently have no problem burdening your parents with unnecessary expenditures...
Dude...that's kinda harsh.
i agree. we don't know that he isn't paying "rent" to his parents to offset their costs. Definitely cheaper than renting.
and as long as he is living there to save up $$$ for a house, then I think it is a wise move (even if he isn't paying 'rent', if his parents have the $$$ and are happy to oblige to set him up for life, then it's still sound).
no reason to ridicule someone for being financially intelligent.
#gmstrong
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To be fair, maybe Ammo's throwing in a few bucks for groceries (I sure hope so) and helping with the other bills, or maybe his parents like having him around the house.
![[Linked Image from i28.photobucket.com]](http://i28.photobucket.com/albums/c201/shadedog/mcenroe2.jpg) gmstrong -----------------
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You guys are ridiculous. Nothing wrong with Ammo living at home fresh out of college in the worst job market since the Great Depression. Thats what family is for. If any of my family fell on hard times or something I would gladly let them stay with me. Its not like the job market in Cleveland is great (its not unless you want to work in a warehouse, or call center. Its awful. Which is why I now live in DC.) Cleveland is turning into a wasteland.
"The medium for the bad news was ESPN, which figured. The network represents much of what is loud, obnoxious and empty in sports today."
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Nothing wrong with Ammo living at home fresh out of college in the worst job market since the Great Depression.
I never said there was. But if Ammo has a job, Ammo best be buyin' some vittles.
gmstrong -----------------
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To be fair, maybe Ammo's throwing in a few bucks for groceries (I sure hope so) and helping with the other bills, or maybe his parents like having him around the house.
Perhaps you are unfamiliar with the "Poster Child" of the "Entitlement Generation"? 
Seriously though, IF his parents are okay with him being there, and he's helping out with some expenditures that he brings to the house ... then it can be a really smart financial move to save on rent while saving up for a place of your own.
Of course, if he's spending that money on booze and hookers instead ... 
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Entitlement generation is a bunch of crap. If a spoiled kid feels that way, its bad parenting.
"The medium for the bad news was ESPN, which figured. The network represents much of what is loud, obnoxious and empty in sports today."
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Parenting has a lot to do with it yes ... but also society's mentality that "It's never your fault", "You should get an award for doing what you were supposed to do", "If you fall on hard times because of your own mistakes, the government or someone else should bail you out" ... etc.
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Ah, I see what you mean. Yes I would agree with that assement.
"The medium for the bad news was ESPN, which figured. The network represents much of what is loud, obnoxious and empty in sports today."
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Entitlement generation is a bunch of crap. If a spoiled kid feels that way, its bad parenting.
Bingo..
Good friend of mine,, lives in Florida.. His parents in PA fell on hard times (he's much younger than I so his parents are in thier high 50's)
Anyway, they fell on hard times, were losing thier home.. He bailed the house out of foreclosure, put it on the market (hasn't sold yet but close) and moved his parents to florida where they are currently staying with him until they can get on thier feet again.
He's part of the generation that is constantly being called the Entitled generation.. BUNK.....
It's parenting... always has been, always will be...
#GMSTRONG
“Everyone is entitled to his own opinion, but not to his own facts.”
Daniel Patrick Moynahan
"Alternative facts hurt us all. Think before you blindly believe."
Damanshot
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I definitely do not like staying at home. I just know that for now it makes the most financial sense. I don't feel like saddling myself with unnecessary expenditures right now.
But you evidently have no problem burdening your parents with unnecessary expenditures...
Dude...that's kinda harsh.
Yes, it is kind of harsh.. ok, let me try again then...
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I definitely do not like staying at home. I just know that for now it makes the most financial sense.
For who?
Seriously, maybe his parents love having him at home, maybe he is pitching in, maybe they have all kinds of money, maybe a lot of things that I don't have the answer to... or maybe his parents are just too nice to tell him to get out... and maybe my comment wasn't directly related to him but to all of the 20 somethings living at home because it makes THEIR life easier.. I'm sure a reasonable number of them are creating a hardship on their parents but the parents are just too nice to say anything.. each situation is different, I just wonder if most of them have thought about it or talked about it with their parents.
yebat' Putin
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I lived at home from 20-24. My mom lived alone in the house, so having me around to take care of repairs, lawn care, etc, was beneficial to her, as well as I paid her $75/week toward bills (This was the early 90's).
During that time I saved up money that allowed me to purchase my first home at age 25 as a single unmarried male.
So depending on the situation, and how it is arranged I see no harm in him still living at home, as long as it's not to be a mooch.
We don't have to agree with each other, to respect each others opinion.
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So depending on the situation, and how it is arranged I see no harm in him still living at home, as long as it's not to be a mooch.
Which was really all I was trying to say... my apologies to Ammo is I came across too hard on HIM.. it was meant to be more of a general observation...
yebat' Putin
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So depending on the situation, and how it is arranged I see no harm in him still living at home, as long as it's not to be a mooch.
Which was really all I was trying to say... my apologies to Ammo is I came across too hard on HIM.. it was meant to be more of a general observation...
My brother in-law is a moooooooch. 24, still lives at home. Doesn't go to school. Doesn't pay rent. Mom still washes his laundry and makes him a bag lunch for work. Only does stuff around the house if he is nagged to death to do it. They pay for his cell phone (well to be fair they also pay for my wifes because it is a family plan they have had for years but he has to have the expensive smart phone with extra $$ for data plan and texting where my wife gets the free phone and never uses close to her minutes) He also just bought a new SUV that drained all of his savings and with the new payment, insurance, gas and weekend lifestyle he isn't saving any money right now.
Oh and he has a second car (trans am) that sits in the garage year round and his mom has to park her car outside. It kind of annoys the crap out of me but then again they let him do it.
I'm cool with people living at home to save. I'm even cool with them not paying rent as long as they are doing the daily chores of the normal house upkeep.
![[Linked Image from mypsn.eu.playstation.com]](http://mypsn.eu.playstation.com/psn/profile/Letherface.png)
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Can I get in on his deal?
Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.
John 14:19 Jesus said: Because I live, you also will live.
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freeagent, i saw the exact same thing recently and it's very disturbing. there is no incentive to leave when you can keep all the money you make, have no obligations, and have people to just feed you cash when you want something.
with ammo's case, it may make financial sense to do what he is but the easiest way to put it is simply that one could always make an argument as to why it's easier to stay at home and how it makes "financial sense." of his plan, though, the part i don't like is he put a new car as a priority. he doesn't want to move until he can afford a new car and a house. i'm making an assumption that the "new" car means "never owned" and not that he doesn't currently have a car and needs one based on his posts in the other car threads. if my ASSumption is correct, that's somewhere that could easily use some fat trimming. that said, not my life, doesn't affect me, no judgement here but i would think he'd move out sooner if a new car wasn't a priority.
as soon as i graduated, with no job, no certainty, and student loans, i moved to socal. reason was simply there would be more tech-based jobs here instead of cleveland. after a stressful month, i landed my job, paid off my loans within a year as well as the loan for a used car (i admittedly splurged a little but it was well below my means), worked my way up and now i'm doing very well almost 3 years later. did it make "financial sense" to move to cali with no plan? definitely not. it was a huge risk but when you take that risk, you get a better reward.
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I did the same thing when I graduated, I went back home for a few months, saved almost every cent I had then moved to DC with a friend from college. Stressful 2 months later I landed a solid job and have a sick apt downtown. Risky but being able to save helped, plus I worked my last 2 yrs of college which helped provide the initial base. I also sold my car which provided more rent money. If I had stayed in Cleveland I would defenitly not had an opportunity at a good career/job like what is availbe in bigger cities.
"The medium for the bad news was ESPN, which figured. The network represents much of what is loud, obnoxious and empty in sports today."
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jc...
When I graduated, my parents and girlfriend (now my wife) came to my graduation ceremony, watched me walk across the stage, and then helped me pack up the moving van and haul all of my stuff up to the apartment in Toledo that my girlfriend and I would be sharing (she'd graduated a week or two prior and had already moved in). She had an entry level job in her field and I was making peanuts as the "assistant manager" of a small, mom & pop, cafe and food store in Bowling Green (I basically ran the show 5 or 6 days a week, cooking, waiting, running the register, stocking, and overseeing the two or three part-timers...the owner was there a couple days a week to cook, place orders with vendors and do the bookkeeping). At the time, nothing ticked me off more than my friends who had graduated around the same time I did who immediately moved back home with their folks, got dead-end jobs and then just blew their money on frivolous stuff.
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that sounds awesome, man. i'm sure you can relate that there is a great sense of accomplishment in taking ownership of your life and independence.
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good post, but you made two smart decisions:
1) you moved out of cleveland
2) you were in a tech/science/nursing/math field.
people not in those fields (arts/media/public service) would understandably had it harder. and even with the advantages you had, it sounded like you still had to struggle a bit.
Go Browns!
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I have a couple of comments.
First, it is presumptuous to assume that anyone who is choosing to live at home is a loafer and taking advantage of the situation or their parents. The arrangement between parent and child is their business, and none of yours. Chances are the speculation offered is off the mark.
Second, I cannot understand why and how the college system has gone so awry. FAFSA is a terrible program, and it is not based in reality whatsoever. I went through the process last year, and frankly wanted not to fill out the silly form, because I knew what the end result would be.
Third, I have no idea why students and parents can't do the math, or why the math is not presented to them, that ties income to debt repayment. It does not take much to figure out that you can't repay 100K of debt making 30 ot 40 K a year.
The information associated with degree earning potential, should be included or made available for students to review.
I made it through school a while ago, poor as a church mouse, living at home and getting a degree in chemical engineering, which was my selection based on the earning potential of a 4 year degree. I was lucky in the fact that I went to a cheap school and got grants and loans fairly easily because of my families situation and my grades.
I assure anyone that the govenment investment in me through grants has been an investment that has been repaid many times over.
Welcome back, Joe, we missed you!…. That did not age well.
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